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Length of Boat Loans. Fixed rate boat loan terms are available from 15, 20 years, the terms available are based on the amount you are looking to borrow. The rate of your boat loan is determined by many key factors outside of your credit score.
Correct, the term of the loan on a used boat will be determined by its age, amount financed and your crefit score. You may get longer terms through institutions that specialize in marine financing.Rates are on the way back up from the historical lows seen last year however rates are still good.orrect, the term of the loan on a used boat will be determined by its age, amount financed and your crefit score. You may get longer terms through institutions that specialize in marine financing. Rates are on the way back up from the historical lows seen last year however rates are still good.